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We compared Allianz and NRMA's comprehensive car insurance policies so you can see exactly what's included in each.
Here's what differs between the two providers:
![]() Allianz comprehensive | ![]() NRMA comprehensive | |
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About the provider | Allianz is a European multinational financial services company and one of Australia's largest insurance providers | The National Roads and Motorists' Association (NRMA) is an Australian organisation offering roadside assistance, car servicing, International Driving Permits, insurance and more in NSW and the ACT |
Underwriter | Allianz underwrites its own policies | IAG (Insurance Australia Group) |
States served | Australia-wide | New South Wales, Queensland, Australian Capital Territory and Tasmania |
Products available | Comprehensive, Third Party Property Damage, Fire & Theft & Third Party Property Damage | Comprehensive Plus, Comprehensive, Third Party Property, Fire and Theft, Third Party Property Only |
Damage to car | ||
Fire | ||
Storm | ||
Flood | ||
Theft or attempted theft | ||
Hire car after theft | $100/day | Up to $75 a day for a hire car and up to $2,000 for any hire car excess and bond |
Emergency repairs | $500 | $800 |
Emergency travel and accommodation costs | $750 | Not stated |
New car replacement | ||
Personal property | $750 | $1,000 |
Grocery replacement cover | ||
Locks and keys replacement | $1,000 | $1,000 |
Towing | ||
Trailer and caravan cover | $1,000 | $1,000 |
Roadside assistance | No | Optional |
No claim discount | Yes | |
More info | More info |
Both Allianz and NRMA policies contain similar general exclusions. You won't be covered if:
For a full list of exclusions, always read the product disclosure statement (PDS).
Allianz underwrites its own policies while NRMA is part of the Insurance Australian Group (IAG). IAG operates several Australian insurance brands including Swann Insurance, SGIC, SGIO and CGU. It also has businesses in Australia, New Zealand and the UK. Allianz is well established globally, with businesses throughout the world. Its headquarters is in Munich.
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